Side-by-side · Q2 2026 data
St. Francis X Federal Credit Union vs Kalsee Credit Union
Credit union
St. Francis X Federal Credit Union
Petoskey, Michigan · $100 million – $1 billion
Metric by metric
| Measure | St. Francis X Federal Credit Union | Kalsee Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 70 |
| Capital cushion | 89 (stronger) | 56 |
| Loan quality | 96 (stronger) | 90 |
| Earnings | 71 (stronger) | 52 |
| Funding & liquidity | 96 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 94th | 51st |
| Total assets | $268.8M | $291.5M |
| Deposits / shares | $231.2M | $261.8M |
| Capital ratio | 13.89% (stronger) | 10.60% |
| Problem loans | 0.11% (stronger) | 0.31% |
| Net charge-offs | 0.01% (stronger) | 0.51% |
| Return on assets | 1.28% (stronger) | 0.80% |
| Loans ÷ deposits | 64.3% (stronger) | 87.8% |
| Uninsured deposits | 9.9% | 6.7% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.0% |
St. Francis X Federal Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), St. Francis X Federal Credit Union leads on 6 and Kalsee Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.